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<p>[QUOTE=&quot;springfld.arsenal, post: 70998, member: 54&quot;]Think they all use the same marketing come-one- most have three rate tiers that all operate simultaneously depending on what type of card the customer uses.&nbsp; 1.9% is the bottom tier but at least in our case very few customers use that category of card, most all fall into the top tier.&nbsp; We watch the average effective rate by just dividing total fees by total revenue for the period of interest.&nbsp; We take visa, discover, and Master but not Amex.&nbsp; Shop around-many services have no sign-up fee. And with many the enrollment process takes a few minutes online.[/QUOTE]</p><p><br /></p>

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